I did pay a $1000 sewer bill that was owed b/c I was served by the courts and it was going to show up on my credit.

We are considering selling this summer, and I am wondering if we can leave the unit empty for two months so we can take credit for living there for 2 years and avoid capital gains taxes.

Hello BPNeed some advice on the financing side of duplex property that I am ready to close before end of the year.I reached out to my lender for a conventional mortgage for the amount of $61k (purchase - 25%) and he quoted me 4.75% rate for 30 year with a closing cost of $4k.I have a Heloc (line of credit) where I can do a cash purchase without any of the closing costs.

You may want to seek a solid credit partner if your income/credit is not very strong. 

if its an owner occupied home you could also do a home equity line of credit before the 6 months is up. that way she can get her cash back and the ability to get long term financing later.

What's the required credit score for hard money lender to purchase a income producing property 

I have strong credit and a pretty good income.

This will give you an option fee up front, it will also get you a premium on the monthly rents because your going to factor in the rent credit over an above the normal rents, and lastly, this will get you an appreciated sales price because your going to base it on the anticipated value in 2-3 years versus today's value. 

Cap rate is a factor of NOI, tenant credit and external market factors.

I normally find the curious guy/gal and give them my card